If I Have a Pre Existing Medical Condition Can I Still Get Private Health Insurance?
Anyone can gain private health insurance no matter what illness you have and how severe that illness is, but of course not every insurance company will take you on and you will probably have bigger premiums to pay. It is important to note that when you look for private health insurance, the amount you pay will be based on how healthy you are, and therefore how likely you are to make a claim. So obviously if someone is a gym nut who bench presses in his bedroom everyday, does not smoke, and eats cabbage and bananas all day, then they will probably find a deal easy and pay less. For those that have pre existing conditions that are severe, finding a deal is going to be a whole lot harder and they will pay more for private insurance day patient aid, but it can still be done.
The Insurance Business
If you have severe pre existing medical conditions, you will probably pay an extremely high rate for your medical insurance, but some companies will still take you on, because it may still be good business for them. For instance, if you pay a private medical insurance company £50 in premiums every month, because the likelihood of you making a claim is so high, the insurance company is still going to be making a fair amount of money. It is also good business for the insurance company because although you may have pre existing medical conditions, there is no absolute certainty that you will ever make a claim.
The more you can sell yourself to an insurance company as someone who is unlikely to make a claim (which will be hard with pre existing medical conditions) the more likely you are to find a very good deal for what you have in terms of illness. Often it can be worth paying high premiums, because the private medical health care that you eventually receive turns out to be cheaper in the way of premiums than it would have if you were to pay for it yourself. However, it can also go the other way; a company could also offer you a package based on you paying extremely high premiums, which in this case it would be best for you to opt out of the package and simply pay for private medical health care yourself.
Private Health Care
A private health care model is for those who do not like long waiting lists and also like their treatment to be specialist. Although the public health service is a good one, it can often feel a little over generalised and not as specific and creative as it could be if it were private. Public health care is all about following protocol and waiting lists, which can often not get you anywhere in terms of curing a condition or illness. The best thing you can do is to buy into private health care, either through an insurance policy, or out of your own pocket; this way you will receive specialist treatment and straight forward advice.
If you have a pre existing medical condition you may still get private health insurance, but it is important to note that you probably pay a little more. Though if you only have a minor pre existing medical condition, then you can expect your premiums to be much the same as an ordinary persons. If however the conditions are severe, the premiums will probably also be extraordinary in order to cover for the very likely claim that could be right around the corner.